Call reports 2018
STATE BANK OF ST. JACOB — 2018
What STATE BANK OF ST. JACOB reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 61,933,000 | 61,744,000 | 63,405,000 | 63,775,000 |
| Total loans | 26,199,000 | 27,334,000 | 27,561,000 | 28,032,000 |
| Allowance for loan losses | 627,000 | 586,000 | 590,000 | 678,000 |
| Securities available for sale | 18,728,000 | 18,396,000 | 18,657,000 | 18,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,916,000 | 51,636,000 | 53,098,000 | 53,607,000 |
| Interest-bearing deposits | 38,889,000 | 38,606,000 | 39,509,000 | 39,339,000 |
| Noninterest-bearing deposits | 13,026,000 | 13,031,000 | 13,588,000 | 14,268,000 |
| Equity capital | 9,720,000 | 9,822,000 | 10,030,000 | 9,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 497,000 | 1,015,000 | 1,557,000 | 2,125,000 |
| Interest expense | 38,000 | 79,000 | 129,000 | 194,000 |
| Net interest income | 459,000 | 936,000 | 1,428,000 | 1,931,000 |
| Noninterest income | 32,000 | 62,000 | 93,000 | 129,000 |
| Noninterest expense | 208,000 | 456,000 | 700,000 | 1,097,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 283,000 | 542,000 | 821,000 | 913,000 |
| Income tax | 2,000 | 4,000 | 5,000 | 7,000 |
| Net income | 281,000 | 538,000 | 816,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,977,000 | 10,084,000 | 10,359,000 | 10,086,000 |
| Total capital | 10,393,000 | 10,492,000 | 10,776,000 | 10,503,000 |
| Risk-weighted assets | 32,917,000 | 32,499,000 | 33,059,000 | 32,980,000 |